Crypto.com Review (2026) – Fees, Security, Pros & Cons
Capital at risk. Crypto is not FSCS protected. We may earn a commission.
What is Crypto.com?
Crypto.com is a well-established cryptocurrency platform founded in 2016 in Hong Kong, now serving over 100 million users worldwide. It has built one of the most recognisable brands in crypto, partly through high-profile sponsorships including the naming rights to the Crypto.com Arena in Los Angeles. But beyond marketing, Crypto.com offers a genuinely broad ecosystem of crypto products.
For UK users, Crypto.com is registered with the FCA as a cryptoasset business, giving it a level of regulatory credibility. Its standout feature is its Visa debit card, which allows users to spend crypto — or earn cashback in the form of CRO tokens — at any Visa-accepting merchant worldwide. This real-world utility sets it apart from exchanges that focus purely on trading.
Crypto.com's exchange (the App) is designed to be beginner-friendly, while its separate Pro trading platform offers lower fees and more advanced tools for experienced investors. The platform also supports DeFi services, an NFT marketplace, and a crypto wallet, making it a comprehensive ecosystem rather than just a trading venue.
Capital at risk. Crypto is not FSCS protected. We may earn a commission.
Pros and Cons
- FCA registered in the UK
- Crypto Visa card — earn up to 5% cashback in CRO
- 250+ cryptocurrencies available
- Beginner-friendly app with simple purchase flow
- GBP deposits via Faster Payments
- Comprehensive ecosystem: exchange, wallet, DeFi, NFTs
- Competitive fees on the Pro platform
- Standard App fees higher than specialist trading platforms
- Best card rewards require staking CRO tokens (capital at risk)
- Minimum deposit of £20 — higher than some competitors
- Staking rewards not available to UK retail users
- CRO token performance affects the value of card rewards
Crypto.com Trading Fees
Understanding fees before you invest is essential. Here is a breakdown of what you can expect to pay on Crypto.com.
| Fee Type | Interface | Cost | Good For |
|---|---|---|---|
| App Buy/Sell (Spread) | Crypto.com App | ~0.5–2.9% | Simple purchases |
| Pro Maker Fee | Exchange Pro | 0.040% | Limit orders |
| Pro Taker Fee | Exchange Pro | 0.075% | Market orders |
| GBP Deposit (FPS) | Both | Free | Bank transfers |
| Card Purchase | App | Up to 2.99% | Avoid if possible |
| BTC Withdrawal | Both | 0.0004 BTC | Fixed network fee |
Supported Cryptocurrencies
Crypto.com supports 250+ cryptocurrencies, giving UK investors access to a wide range of digital assets. Below are some of the most popular coins available on the platform.
Security
Security is one of the most important factors when choosing a cryptocurrency exchange. Here is how Crypto.com protects your funds.
Cold Storage
The majority of customer funds are kept in offline cold storage — completely disconnected from the internet and unreachable by hackers.
Two-Factor Authentication (2FA)
All accounts can be protected with 2FA. Even if someone knows your password, they cannot log in without a second code from your phone or authenticator app.
Proof of Reserves
Regular reserve audits allow users to verify that the exchange holds sufficient funds to cover all customer balances.
Account Security Tools
Features such as withdrawal address whitelisting, anti-phishing codes, and login notifications help protect your account from unauthorised access.
Card & Ecosystem Security
Crypto.com's Visa card includes real-time freeze controls via the app, zero liability for unauthorised transactions, and advanced transaction notifications to keep your spending secure.
Ease of Use
Crypto.com is one of the more beginner-friendly platforms in this review. The main Crypto.com App has a clean, modern interface and guides new users through the process of buying cryptocurrency step by step. The buy flow is simple: choose a coin, enter your amount, and confirm.
The standout feature for many users is the Crypto Visa card. Once set up, you can spend directly from your crypto balance or a GBP wallet at any Visa merchant worldwide. Different card tiers offer different levels of cashback in CRO tokens, with higher tiers requiring a stake of CRO.
For traders who want lower fees, the Crypto.com Exchange Pro platform provides a more advanced interface with competitive maker/taker fees, live order books, and more trading pairs. It is accessible within the same account and worth switching to once you are comfortable with the basics.
How to Open a Crypto.com Account
Opening a Crypto.com account is straightforward and typically takes 10 to 15 minutes.
Visit the Website
Go to the exchange website and click 'Create Account'. Enter your email address and choose a strong, unique password.
Verify Your Email
Check your inbox for a verification email and click the confirmation link to activate your account.
Complete Identity Verification (KYC)
Upload a valid photo ID (passport or driving licence) and proof of address. As a regulated platform, identity verification is required by law.
Wait 24 Hours (FCA Cooling-Off Period)
UK regulations require new users to wait 24 hours after registering before placing their first trade. Use this time to explore the platform.
Deposit Funds
Transfer GBP from your UK bank account using Faster Payments where available — it is usually free and arrives within minutes.
Enable Two-Factor Authentication (2FA)
Before trading, turn on 2FA in your account security settings. This is one of the most important steps you can take to protect your funds.
Start Buying Cryptocurrency
Search for a coin, enter your amount in pounds, review the fee shown, and confirm your purchase. Start small — there is no rush.
Capital at risk. Crypto is not covered by FSCS. InvestCompareUK may earn a commission.
Crypto Tax in the UK
HMRC treats cryptocurrency as a capital asset. If you sell crypto for more than you paid, you may owe Capital Gains Tax on the profit. For the 2025–26 tax year, the annual CGT allowance is £3,000. Gains above this threshold are taxed at 18% for basic-rate taxpayers or 24% for higher-rate taxpayers.
From January 2026, all FCA-registered exchanges are required to report transaction data to HMRC automatically under the Crypto Asset Reporting Framework (CARF). Keeping your own records is still strongly recommended. Many investors use dedicated crypto tax software to calculate their liability accurately.
Final Verdict
Crypto.com is one of the most versatile crypto platforms available to UK investors in 2026. Its FCA registration, beginner-friendly app, and Visa debit card make it particularly appealing for those who want to integrate crypto into their everyday financial life rather than just trade it.
Fees on the standard App can be on the higher side for frequent traders, so it is worth switching to the Pro platform once you are comfortable. The best card rewards also require staking CRO, which introduces additional risk.
For investors who want a regulated platform with real-world crypto utility, Crypto.com is an excellent choice. Compare it with other exchanges in our full UK crypto exchange comparison.
Capital at risk. Crypto is not covered by FSCS. InvestCompareUK may earn a commission if you open an account via our link.